to call Lloyds bank robbing bastards?

[LadyFingers]

Been helping MiL with her home insurance as she mentioned something and it turned out she was paying a massive huge amount.

She has been insured through the bank - ie.... someone in the bank suggested that they could insure her house and she needed xxx policy.

So looking at her policy she is insured for (amongst many things)......

£500 of freezer contents
£5000 of office contents
£1000 for individual items

This is a 70-something woman living on her own, in a council house, who has never used a sodding computer ever, let alone got an office full.
The most expensive item she owns is her TV FFS.

So what the actual Fuck was the bank playing at? For the last few years she has been paying hundreds of pounds more than necessary. Yes, obviously she's a bit dim and should have read the policy thoroughly but does the bank selling the policy not have some responsibility?

Fuckers

The bank is not allowed to do this, it's misselling, I'd contact them.

i will be.

The freezer and office equipment cover is pretty much standard for a home insurance policy and is unlikely to have increased the premium. Additional items cover is probably unnecessary, but is unlikely to have increased the premium very much.

Unfortunately they've taken the opportunity to sell a policy somebody who didn't realise it's best to shop around (Lloyd's are notorious for expensive home insurance), but it's not misselling as such.